Hard money and private lender specializing in fix-and-flip, construction, and rental property loans for real estate investors across 6+ states.
Data compiled from public sources · Rating from CreditDoc methodology
Capital Fund 1 is a hard money and private lending firm that serves real estate investors across Arizona, Colorado, Georgia, Tennessee, Texas, and North Carolina. The company positions itself as an asset-driven lender designed to move faster than traditional institutional lenders by focusing on property value and deal structure rather than borrower creditworthiness.
Capital Fund 1 offers three primary lending programs: CF Advantage (up to 92.5% LTC with rates as low as 9.75% and 24-hour closing), CF Pro (up to 95% LTC for experienced investors with rates as low as 8.99%), and DSCR loans (up to 80% LTV for rental portfolios with 30-year terms). They also provide specialized financing for fix-and-flip projects, construction loans, commercial properties, and land development. Their long-term rental program uniquely offers 15-30 year terms including fixed and ARM options.
The company differentiates itself through a streamlined 3-step application process that requires only a purchase contract, photos, and planned improvements—no hard credit pulls, extensive borrower financials, or third-party appraisals for underwriting. They claim an in-house team with over 100 years of combined real estate and lending experience and advertise same-day term quotes with closings in as little as 24 hours for their fastest program.
Capital Fund 1 is fundamentally a commercial real estate financing provider, not a consumer finance company. While they serve individual investors, their products are designed for business real estate investment rather than personal financial needs. Borrowers should expect higher rates (9.75%-11%+ range) and shorter terms typical of hard money lending, and qualification requires a minimum 620-680 FICO score depending on program.
Yes. Capital Fund 1 is a registered company, headquartered in Scottsdale, AZ.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Capital Fund 1 is a hard money lender best suited for real estate investors—particularly fix-and-flip operators and rental portfolio builders—who prioritize speed of closing and asset-based lending over lowest possible rates. The main caveat is that this is commercial real estate financing, not consumer finance; borrowers should expect significantly higher rates than traditional mortgages and should have a clear exit strategy or rental income plan for their property investment.
Los Angeles-based mortgage broker specializing in purchase and refinance loans for busy professionals, emphasizing personal service and strategic offer positioning.
Best for: Los Angeles-area first-time homebuyers seeking personalized guidance and plain-language explanations, Busy professionals prioritizing relationship-based service over fully automated processes
Phoenix-based hard money lender specializing in fix-and-flip, rental, and investment property loans with same-day approvals and funding in 48 hours.
Best for: Real estate fix-and-flip investors needing rapid capital deployment with short exit timelines, Experienced rental property investors seeking bridge financing or cash-out refinancing on investment portfolios
Michigan-based mortgage lender specializing in fast closings (8.2 days average) for conventional, FHA, VA, USDA, and jumbo loans in Metro Detroit.
Best for: Metro Detroit homebuyers seeking fast pre-approval and closing timelines for competitive offer submission, Homeowners looking to refinance for rate reduction or cash-out debt consolidation with minimal processing delays
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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